ExCo leverages the technology and expertise of a number of organizations in order to deliver a safe, secure and rewarding AQUSH user-experience
Credit Data Bureaus
CIC
| ExCo is a member of the CIC, Japan’s largest pool of consumer credit data. Founded in 1984, CIC has more than 500,000,000 listings of personal credit information for borrowers in Japan. |
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JICC
| ExCo is a member of the JICC, Japan’s oldest consumer credit data bureau. Founded in 1976, JICC has more than 23,750,000 listings of personal credit information for borrowers in Japan. |
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Credit Scoring Technology
FICO
| ExCo is proud to be working closely with FICO on the scoring technology used in the AQUSH Credit Grades. Founded in 1956, FICO is the world leader in consumer credit analytics. FICO scores are the most widely used credit scores in the world, with a 50-year track record. |
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”Exchange Corporation is determined to provide its lenders and borrowers with the best decision-making tools available in their AQUSH.JP peer-to-peer lending platform, and the FICO Score is the ideal technology to power those tools. Our scoring analytics are the dominant global tool for risk assessment because we are continuously applying our science to the specifics of local markets and changing economic conditions. And through AQUSH Credit Grade, Exchange Corporation will help consumers to better understand and take greater control of their credit health. We look forward to working with Exchange Corporation and supporting a Japanese peer-to-peer risk assessment tool to build and grow this important new segment in the Japanese credit market.”
Robert Duque-Ribeiro (Sept. 2009)
Vice President and General Manager of Scoring for FICO
Client Funds Bank Accounts
| ExCo keeps all client funds for AQUSH in segregated client accounts at Japan NetBank and Rakuten Bank. |
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